Method and apparatus for validating credit information during home delivery of order

ABSTRACT

A method and apparatus for delivering an order to a home and utilizing credit information to verify and accept payment for the order. The method and apparatus verify credit information on site at the door of a home contemporaneously with delivery of an order.

This application is a continuation-in-part of application Ser. No.07/997,165, filed Dec. 28, 1992, for "METHOD AND APPARATUS FORVALIDATING CREDIT INFORMATION DURING HOME DELIVERY OF ORDER", which is acontinuation-in-part of application Ser. No. 07/762,398, filed Sep. 19,1991, now U.S. Pat. No. 5,208,446.

BACKGROUND OF THE INVENTION

This invention relates to a method and apparatus for delivering an orderto a home and utilizing credit information to verify and accept paymentfor the order.

In another respect, the invention relates to a method and apparatus forverifying credit information on site at the door of a homecontemporaneously with the delivery of an order.

A wide variety of products are delivered to the home or business of arecipient and paid for when the product is delivered to the home orbusiness. Pizza, chicken and other foodstuffs are ordered from a vendorby telephone and the vendor delivers the foodstuff to the home of theindividual who placed the order. Office supplies and various other goodsare ordered by a business from vendors, who then deliver the goodsdirectly to the business. A particular problem which has long existed insuch home or business delivery systems is that there is no ready way toverify at the time the goods are delivered credit information which therecipient of the delivered goods uses to pay for the goods. This isparticularly the case when a vendors routinely delivers goods to a greatmany "one-time" recipients for which a vendor does not maintain anaccount, simply because maintaining an account is not practical or costeffective. In such deliveries to "one-time" recipients, the individualdelivering the goods often must accept credit cards, check guaranteecards, and other credit information at face value because there is nopractical way to evaluate on site the creditworthiness of suchinformation.

Accordingly, it would be highly desirable to provide an improved methodand apparatus for delivering goods to a home or business, the improvedmethod permitting a delivery person to verify the creditworthiness of acredit card, bank guarantee card or other credit information provided bythe recipient of the goods while the delivery person stands at the doorof the home or business of the recipient to deliver goods to therecipient.

Therefore, it is a principal object of the invention to provide animproved method and apparatus for delivering goods to a home or businessand for, while at the door of the home or business, verifying thecreditworthiness of a credit card, bank guarantee card, or other creditinformation provided to the delivery person by the recipient of thegoods.

Another object of the invention is to provide an improved method andapparatus for the home delivery of goods which, after a delivery personhas left his vehicle, utilizes data entered by the delivery person atthe door of the residence of the recipient of the goods, utilizes anairborne transmission of the data entered, and utilizes a cellulartelephone line to contact a host computer to validate credit informationprovided the delivery person by the recipient of the goods.

A further object of the invention is to provide an improved method andapparatus for the home delivery of goods which can, contemporaneouslywith the delivery of goods to a recipient, provide the recipient with aprinted receipt confirming delivery of the goods and the recipient'svalidated payment for the goods.

BRIEF DESCRIPTION OF DRAWINGS

These and other, further and more specific objects and advantages of theinvention will be apparent to those skilled in the art from thefollowing detailed description thereof, taken in conjunction with thedrawings, in which:

FIG. 1 is a top view of a portable credit validation unit utilized by adelivery person in the practice of the invention;

FIG. 2 is a block diagram illustrating the components of the portableunit of FIG. 1;

FIG. 3 is a logic flow diagram illustrating the mode of operation ofsoftware which can be utilized in the unit of FIG. 1; and,

FIG. 4 is a block diagram illustrating a cellular telephone systemutilized in the invention.

SUMMARY OF INVENTION

Briefly, in accordance with my invention, I provide a home deliverysystem for validating credit tendered to a delivery person when theperson delivers an order to a recipient at a residence. The homedelivery system includes a host computer with memory means for storingcredit validation data; portable housing means carried by the deliveryperson; credit data entry means mounted in the housing means forentering credit information concerning the recipient; data processingmeans mounted in the housing means and coupled with credit data entrymeans for storing the credit information; first transmission meansmounted in the housing means and operatively associated with the dataprocessing means to transmit the credit information from the portablehousing means to the host computer for examination to generatevalidation information indicating whether the credit information isacceptable; receiver means mounted in the housing and operativelyassociated with the data processing means; printer means mounted in thehousing and operatively associated with the data processing means; and,second transmission means operatively associated with the host computerfor transmitting the validation information to the receiver means togenerate validation information signals from the receiver means to thedata processing means. When the validation information signals indicatethe credit information is acceptable, the data processing meansactivates the printer to print a receipt for the recipient to confirmthat the order was delivered to the recipient and paid for by therecipient.

DESCRIPTION OF THE PREFERRED EMBODIMENT

Turning now to the drawings, which depict the presently preferredembodiments of the invention for the purpose of illustrating thepractice thereof and not by way of limitation of the scope of theinvention and in which like reference characters represent correspondingelements throughout the several views, FIG. 1 illustrates a portablecredit validation unit constructed in accordance with the principles ofthe invention and generally identified by reference character 10. Unit10 includes a hollow rectangular housing 19. Mounted in housing 19 are atransmitting/receiving antenna 50, printer 12, LCD screen 13, magneticcredit card reader 54, data entry keyboard 53, fiber optic data wandinput/output port 16, rechargeable battery pack 17, and socket 18 forrecharging battery pack 17. A microprocessor or other data processingmeans is also carried in housing 19 and is operatively associated withantenna 50, printer 12, screen 13, credit card reader 54, keyboard 53,and port 16.

FIG. 2 illustrates the interrelationship between the various componentsof unit 10. The microprocessor in unit 10 includes a memory 52 andcontrol 51. The keyboard or other data entry system 53 is used toprogram the microprocessor or input card account numbers, bank cardaccount numbers, or other credit information to be validated by thesystem of the invention. Magnetic credit card sensor 54 can also be usedto enter credit card or bank card account numbers into memory 52 ascredit card information 58. Data inputted by system 53 is stored inmemory 52 as legal tender or programming information 57. When creditcard information including the card number, expiration date, cardholdername, etc. is entered into memory 52 by sensor 54 and the user wishes tovalidate the credit card number, the user presses a selected button onkeyboard 53 or otherwise prompts controller 51 to generate and transmitsignals 59 to transmitter--receiver 50. Signals 59 include the creditcard information. Transmitter 50 transmits 60 the signals 59 to thecellular telephone network of FIG. 4, to a satellite, to a microwaveantenna or to another selected communications network. The cellulartelephone network of FIG. 4 receives and transmits signals 59 to a hostcomputer 102 which validates the credit card information and other dataassociated with the credit card. Computer 102 then generates validationsignals which are transmitted through the cellular telephone network,back to the cellular telephone and back 56 to the transmitter-receiver50. The validation signals are transmitted 80 from transmitter 50 tocontrol 51. If the validation signals 80 indicate that the credit cardinformation is acceptable, control 51 directs the words "AUTHORIZATIONRECEIVED" to appear on screen 13 and also directs printer 12 to print apaper strip receipt. The receipt indicates the credit card, bank card orother legal tender used to pay for the delivery; the credit cardauthorization number, if appropriate; the total cost of the order; and,when the printed strip includes two pieces of paper (one for thecustomer and one for the delivery person), can include a signature linefor the customer in the event the customer is paying with a credit card.

If the validation signals 80 indicate that the credit card informationis not validated and is not acceptable, control 51 directs the word"DECLINED" to appear on screen 13 and does not direct printer 12 toprint a receipt.

FIG. 3 is a block flow diagram which illustrates a typical program orlogic function which is executed by the controller for validating acredit card number or other credit information which is provided to adelivery person by the recipient of the order delivered by the deliveryperson. The basic control program 61 consists of commands to "start andinitialize" 62, "read memory" 63 and "transfer control" 64 to thevalidation determination sub-routine 67.

The validation determination sub-routine 67 includes a command to"interpret memory" 68 (i.e., determine if there is a credit card orother information in memory which must be validated). If "validation isnot required" 69 then the "return to control program" 71 program stepexits the sub-routine 67. If "validation is required" 70 of a creditinformation, then "transmit credit information" step 72 causes control51 to transmit information 59 to transmitter 50 and to directtransmitter 50 to transmit credit information signals 60 by radio waveor other airborne electromagnetic radiation to the cellular telephone inthe delivery person's delivery vehicle. The cellular 130 telephonereceives the transmitted signals 60, autodials, and sends the creditinformation contained in the signals 60 over a cellular telephone linein the manner illustrated in FIG. 4. If desired, the information insignals 60 can be transmitted to a microwave station instead oftelephone 130 and can then be transmitted into a telephone or othercommunication system for transmission to a host computer. After the hostcomputer 102 in the cellular telephone system of FIG. 4 validates thecredit card information, the validated information signals aretransmitted back through the cellular telephone system to the cellulartelephone in the vehicle of the delivery person. The cellular telephonein the vehicle includes a transmitter which transmits via the airvalidation information signals 56 to transmitterreceiver 50. When thecontroller "receives validation data" 74 and the validation dataconfirms that the credit card or other tender is "not valid" 75, thenthe "return to control program" step 79 exits the validationdetermination routine. As earlier noted, if the validation data reviewedby controller 51 indicates that the credit information is notacceptable, then controller 51 can also direct screen 31 to display"DECLINED". If the validation data reviewed by controller 51 indicatesthat the credit card or other tender is "valid" 76, then the command"print receipt" 78 causes printer 12 to print a receipt for therecipient of the order. The receipt can include the total cost of theorder, the credit card or bank card number used to pay for or confirmthe order, the date, and a space for the recipient of the order to signin the event the recipient is paying with a credit card. The "printreceipt" command 78 is followed by "return to control program" 79. Thecontrol program 61 and the validation determination sub-routine arerepeated as indicated by the "repeat to last memory" step 65 of thecontrol program 61 followed by and "end" program step 66 which completesexecution of the program.

FIG. 4 illustrates a cellular system which, in simplified form, includesbase site equipment for a plurality of geographical radio frequency (RF)coverage areas (cells), including cell 110. For cell 110, the base siteequipment 115 includes a set of base transceivers 114 and a base sitecontroller 116.

Radio telephone unit 130 is normally carried in a vehicle and isoperatively associated with computer 100 and modem 101. A facsimilemachine (fax) or other similar machine which inputs data to a modem 101or its functional equivalent for transmission by unit 130 can besubstituted for computer 100.

Overall control of the base site equipment 115 is provided by a signalprocessing unit 121 of a cellular switch controller 122. The switchcontroller 122 also includes a digital switching network 123 forcontrolling the call switching operation between a public switchedtelephone network (PSTN) and the base site equipment 115. A set of pulsecoded modulation (PCM) converters 125 are included in the cellularswitch controller 122 as an interface to the PSTN 131. The PSTNcommunicates with a modem 103 and host computer 102 which receivestelecomputer data originally generated by computer 100 and transmittedby unit 130. The host computer 102 includes databases and programmingwhich are utilized to examine and validate credit informationtransmitted through the cellular telephone system from antenna 143 tocomputer 102. Signals from antenna 143 are received by antenna 99 andvice-versa.

In use, a delivery person is given an order to be delivered to arecipient at a selected home, business or other residence. The vehicleutilized by the delivery person includes a cellular telephone. When thedelivery person arrives at the residence he leaves his vehicle and takesthe order to the door of the residence. At the door the delivery personreceives a credit card or bank guarantee card (for a check written bythe recipient of the order). The delivery person uses keyboard 53 orcard reader 54 to input the recipient's credit information into unit 10.Once the credit information is input, the delivery person presses abutton or buttons on keyboard 53 or otherwise prompts controller 51 totransmit the credit information via transmitter 50 and the cellulartelephone system to host computer 102 for validation. After hostcomputer 102 examines the credit information, it prepares validationinformation which is transmitted back through the cellular telephonesystem or some other communication system to transmitter-receiver 50.Validation information signals 80 from transmitter-receiver 50 areanalyzed by controller 51. If the validation information signals 80indicate that the recipient's credit information is acceptable, thenprinter 12 produces a receipt for the recipient, screen 13 displays"AUTHORIZATION RECEIVED", the delivery person has the recipient sign thereceipt (in the event the recipient paid with a credit card), and thedelivery person gives the order to the recipient. If the validationinformation signals 80 indicate that the recipient's credit informationis not acceptable, the screen 13 displays "DECLINED" and the recipientcan give the delivery person other tender to pay for the order. Afterthe order is paid for and delivered, the delivery person carries unit 10back to his vehicle and drives the vehicle back to his place ofbusiness.

If desired, a small video or television screen can be mounted in housing19 along with the means necessary to receive an airborne television orvideo signal traveling toward housing 19 and necessary to process thereceived video signal and display it on the video screen. In addition, asmall camera can be mounted on the housing to view the user or acustomer, and to generate a video signal which can be transmitted fromunit 10 to a remote television screen for viewing by a creditverification personnel or by any other selected individual or company.Further, a portable cellular telephone or other portable telephone canbe mounted on or integrated in housing 19 to receive and make callsthrough cellular telephone networks, through microwave antennas, througha satellite, or through any other desired auxiliary telephone equipmentoperatively associated with the portable telephone carried in housing19. Means for receiving and deciphering an encrypted signal, and forencrypting and transmitting a signal may also be incorporated in housing19.

Having described my invention and the presently preferred embodimentsthereof in such terms as to enable those skilled in the art tounderstand and practice it.

I claim:
 1. In a home delivery system for validating credit tendered toa delivery person when the person delivers an order to a recipient at aresidence,(a) a host computer with memory means for storing creditvalidation data; (b) portable housing means carried by the deliveryperson; (c) credit data entry means mounted in said housing means forentering credit information concerning the recipient; (d) dataprocessing means mounted in said housing means and coupled with saidcredit data entry means for storing said credit information; (e) firsttransmission means mounted in said housing means and operativelyassociated with said data processing means to transmit said creditinformation from said portable housing means to said host computer forexamination to generate validation information indicating whether saidcredit information is acceptable; (f) receiver means mounted in saidhousing and operatively associated with said data processing means; (g)printer means mounted in said housing and operatively associated withsaid data processing means; and, (h) second transmission meansoperatively associated with said host computer for transmitting saidvalidation information to said receiver means to generate validationinformation signals from said receiver means to said data processingmeans, said data processing means, when said validation informationsignals indicate said credit information is acceptable, activating saidprinter means to print a receipt for the recipient to confirm that theorder was delivered to the recipient and paid for by the recipient.